Lady of Longbourn
MyPTSD Pro
Ever since my divorce I've had to re-think a lot of costs in my household as my income has gone down so much, including my health insurance. Currently, I'm wondering if individual health insurance is really the answer, I get mine through the Federal Government website and I pay $300 a month out of my own alimony income. Until the start of the new year this rate is reduced to less then $150 because of tax credits but that wont carry over to the new year and I'll be paying $300 a month again.
When I was married my insurance covered anything you through at it. Anything and the costs for medication or seeing a doctor was very affordable. That was through my (then) husbands job and we paid for the best insurance we could get because he had the income. Now my insurance is bought by me, and even at $300 a month my insurance has yet to pay anything towards my medical costs.
Not even a single dollar.
So of course I'll re-thinking keeping it. It wont pay for any of my medications, even the non-pysch ones. Wont even help pay for my birth control. Wont pay for any of my doctor's visits either, even to see my GP. It would actually be cheaper if I paid out of pocket for everything and didn't pay extra for health insurance that is (so far) doing nothing. It actually less a month for me to pay everything out of pocket then it is to buy insurance.
Now, I know it will be nice to have it around if something happened but on the other hand, it's not paying for my basic things so I wouldn't be holding my breath for it to cover more costly emergencies.
I'm leaning towards getting rid of it.
Thoughts?
When I was married my insurance covered anything you through at it. Anything and the costs for medication or seeing a doctor was very affordable. That was through my (then) husbands job and we paid for the best insurance we could get because he had the income. Now my insurance is bought by me, and even at $300 a month my insurance has yet to pay anything towards my medical costs.
Not even a single dollar.
So of course I'll re-thinking keeping it. It wont pay for any of my medications, even the non-pysch ones. Wont even help pay for my birth control. Wont pay for any of my doctor's visits either, even to see my GP. It would actually be cheaper if I paid out of pocket for everything and didn't pay extra for health insurance that is (so far) doing nothing. It actually less a month for me to pay everything out of pocket then it is to buy insurance.
Now, I know it will be nice to have it around if something happened but on the other hand, it's not paying for my basic things so I wouldn't be holding my breath for it to cover more costly emergencies.
I'm leaning towards getting rid of it.
Thoughts?